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Mortgage Underwriter

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Fin Capital

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Location:
United States

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Category:
Finance

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Contract Type:
B2B

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Salary:

50.00 USD / Hour
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Job Description:

We are seeking an experienced Mortgage Underwriter to join our team as a contractor. This role will draw on deep underwriting expertise—including comprehensive knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines—to perform continuous testing on our mortgage products. The successful candidate will have hands-on experience interpreting and analyzing income, asset, credit, AUS, and collateral documentation, applying underwriting rules, performing income calculations and creating conditions. Leveraging this expertise, the Mortgage Underwriter will partner closely with the Sales and Product teams to identify and support product improvements and new feature development.

Job Responsibility:

  • Apply advanced knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines to rigorously test mortgage underwriting tools and validate accuracy
  • Review borrower documentation (income, assets, credit, collateral, AUS findings) and confirm the correct application of underwriting rules within the product, such as income calculator output
  • Document test results thoroughly, flag discrepancies, and recommend solutions to ensure compliance with agency and investor standards
  • Serve as the subject matter expert on underwriting practices, providing clarity and context to both technical and non-technical teams
  • Translate complex underwriting requirements into clear and simple language and communicate effectively to stakeholders, both written and verbal
  • Partner closely with Product to share enhancement opportunities
  • Provide ongoing SME input to the Sales team
  • Communicate findings and recommendations effectively to both leadership and cross-functional stakeholders, ensuring alignment across teams

Requirements:

  • 3+ years of mortgage underwriting experience, including FHA and VA
  • Skilled in reviewing borrower documentation (e.g., W-2s, tax returns, pay stubs, self-employment income, appraisal, title, etc)
  • Strong expertise in income analysis, credit evaluation, and AUS findings
  • Experience testing technology products or tools is a plus
  • Tech-savvy with ability to critique mortgage software and explain findings clearly
  • Excellent documentation, prioritization, and communication skills

Nice to have:

  • Experience with fintech or SaaS mortgage tools
  • Familiarity with automated income calculation or verification platforms
  • Exposure to agile product development environments

Additional Information:

Job Posted:
January 20, 2026

Employment Type:
Parttime
Work Type:
Remote work
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